阿里(09988.HK)蔡崇信:科技金融發展需管理好風險
阿里巴巴(09988.HK)集團聯合創始人兼執行副主席蔡崇信出席香港金融科技周活動時表示,科技企業在產品創新及了解客戶需求上具有優勢,但認為無論是經營科技金融或金融科技業務都需要管理好風險。
他指出,集團旗下支付業務最需要處理詐騙及客戶身份確認的風險,借貸業務及資金管理服務「餘額寶」則要面對信貸審查及流動性風險,因此認為監管把關十分重要。他又指,現時科技日益進步,任何行業都想更直接接觸客戶,趨勢推動數字化轉型加快,管理層亦將更習慣運用數據去推動企業決策。
匯豐亞太區聯席行政總裁廖宜建指,金融發展歷史悠久,在銀行業發展中成立156年的匯豐屬「創新企業」,現時每年在數碼發展的投資超過55億美元,認為傳統銀行業一直在嘗試及創新,科技支持下現時客戶可快速開戶、做到一秒支付,該行將在全球化發展繼續做好合規,以確保在創新同時符合各地監管要求。
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